Knowledge Centre
  • Introduction
  • What's included?
  • What's not included?
  • Why choose HDFC ERGO?
  • FAQs

Third Party Car Insurance

No more sweating over the injuries or damages you cause to another person or property in an accident by your car. It is a human error, and HDFC ERGO is here to make it right! We clear all your liabilities in a snap. A third party car insurance policy offers coverage for any bodily injury to third party or any damage to the third party property. In event of an accident claims can be raised by the third party for damages, therefore having a third party car insurance policy protects you from such costs.

Restart Your Car with Jumpstart

We know you are rearing to get back to normalcy! But have you spared a thought about your car which has been languishing in the parking lot while you were holed up at home staying safe? Restarting your car after a hiatus may spell inconvenience and trouble but HDFC ERGO always has your back in times of difficulty and now is no different. We help you JumpStart your car for free, all you’ve got to do is, give us a call on 022-62346235! The JumpStart service is a limited period offer and can be availed irrespective of whether you have a HDFC ERGO Car insurance or not. It can’t get better, so rouse your cars from their deep sleep and avail the HDFC ERGO JumpStart service now!

Give your vehicle the all-round coverage it deserves

Looking for motor insurance but confused about which plan to choose? Watch this 2-minute video to know why HDFC ERGO’s all-inclusive motor insurance policy is the answer to your question. With benefits like useful add-on covers, 8400+ network garages, and quick and easy claim settlement, now get effective protection for your vehicle at competitive rates.

What’s Included in third party car insurance policy?

personal accident cover

Personal Accident Cover

We consider customers as our top priority and hence under this car insurance policy, a compulsory personal accident cover is present for 15 lacs to Read More...

third party liability insurance

Third Party Liability

Did your vehicle cause injuries to another person? Fret not! Your third-party car insurance offers coverage to all liabilities related to medical needs of a third party.

third party  property damage

Third Party Property Damage

Did you accidentally collide with another person’s vehicle or property? If yes, do not worry as we cover upto Rs. 7.5 lacs towards third party property damages.

Order of IRDAI on Premium Rates for Motor Third Party Liability Insurance Cover for the Financial year 2019-20 effective from 16th June, 2019

What’s not Included?

contractual liabilities

Contractual Liabilities

We offer car insurance cover, however contractual liabilities remain out of coverage for this policy.

war & nuclear risks

War & Nuclear Risks

War can be disastrous. However, any damage caused to third-party person or property because of war & nuclear risks remains uncovered.

limitations as to use

Limitations as to use

We highly regret for not covering any claims if your car has been involved in speed testing, organized racing etc.

Know what the expert speaks about our car insurance plans

Mukesh Kumar | Motor Insurance Expert
Mukesh Kumar | Motor Insurance Expert | 30+ years of insurance industry experience
I recommend getting your car insured from HDFC ERGO, an insurer which has been awarded ISO 9001:2008 certification for Customer Experience Management and Claims Management. With large number (6,800+) of nationwide cashless network garages and overnight repair services, it ensures that customers interests are always at the forefront.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Take a quick look at our customer base, and you are sure to be amazed to see 1 Crore+ smiling faces! The multitude of awards received by us including the IAAA and ICRA ratings further speak about our trustworthiness, credibility and highest claim paying abilities!
Why HDFC ERGO?

Overnight Car Repair Services

The stars might refuse to shine, but we will never refuse to repair! We repair minor accidental damages from dusk to dawn without any hassle. You can simply get in touch with us; we will get your car picked at night, repair it and deliver it by morning at your door step .We offer these services in 13 cities at present!
Why HDFC ERGO?

Transparency at its best

Transparency holds the key to our transactions, and you can be assured of getting the seamless claim procedures. With 30 Minutes*** claim approval & online claim intimation via QR code we’ve been winning customer smiles everywhere.
Why HDFC ERGO?

All the support you need-24x7

Get hassle-free support every day, every week whenever and wherever you need! With our dedicated in-house claims team and customer support, we ensure every query is responded . Isn’t that great? To know someone has your back even in the middle of the night?
Why HDFC ERGO?

Go Paperless! Go Boundless!

Why stick to age-old time-consuming paper works when HDFC ERGO can get all your works done paperless? The online transactions make you boundless and free! Your time is valued at HDFC ERGO!
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Take a quick look at our customer base, and you are sure to be amazed to see 1 Crore+ smiling faces! The multitude of awards received by us including the IAAA and ICRA ratings further speak about our trustworthiness, credibility and highest claim paying abilities!

Overnight Car Repair Services

The stars might refuse to shine, but we will never refuse to repair! We repair minor accidental damages from dusk to dawn without any hassle. You can simply get in touch with us; we will get your car picked at night, repair it and deliver it by morning at your door step.We offer these services in 13 cities at present!

Transparency at its best

Transparency holds the key to our transactions, and you can be assured of getting the seamless claim procedures. With 30 Minutes*** claim approval & online claim intimation via QR code we’ve been winning customer smiles everywhere.

All the support you need- 24 x 7!

Get hassle-free support every day, every week whenever and wherever you need! With our dedicated in-house claims team and customer support, we ensure every query is responded .Isn’t that great? To know someone has your back even in the middle of the night?

Go Paperless! Go Boundless!

Why stick to age-old time-consuming paper works when HDFC ERGO can get all your works done paperless? The online transactions make you boundless and free! Your time is valued at HDFC ERGO!

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Frequently asked questions

As per the Motor Vehicle Act, every motor vehicle plying on the road has to be insured with a third party only policy at the very least.
It covers any third party liability arisen out of the use of your vehicle and it can cover death or injury or property damage.
No, you cannot cancel your existing third party policy
Yes, you can easily buy a third party insurance policy online.
Third party claims are processed on the basis of the summon received by the court
The policy duration is 12 months
One has to approach the insurer to record any changes in the existing policy. Supporting documents with regard to the changes are required to process the request.
Yes, you can get a duplicate insurance policy copy at a nominal charge
Yes, tax is applicable on the total premium to be paid by the customer
Factors affecting car insurance premium are​: Insured Declared Value or IDV Cubic Capacity (CC) Place of registration (Zone A / Zone B), Type of model, Age of the car, Type of cover, Add-on covers chosen and No-Claim Bonus retention.
Awards & Recognition

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